CCJ Advice - current status with Hoist - thoughts please?

[debtwarrior]

Celestine

Hi!

I had CCJs entered into by default in March 2016 which I am looking forward to dropping off my credit file next year.

In the meantime, over this period, I have had outstanding accounts with Hoist Finance which I have not been paid towards (as I haven't been able to afford it)...

They have actually offered a large discount on one of them (84%) - I hope that follows for the rest. (Realistically, would there be any chance that they would go lower or has this ever been heard of? - I am pushing my luck a bit)

What would happen to the other CCJs if they don't offer a discount and I am still not able to pay? What options do I have?

Thanks in advance for your help and advice...

[debtwarrior]

Amethyst

[Celestine]

Morning - so the CCJs which fall off shortly are not from Hoist and the last thing you want is more CCJs?
Have you sent CCA requests to Hoist for these accounts?
That is a huge discount offer - it won’t go lower because they buy the debt at around 10% of value. I strongly suspect something is flawed with this account at least.
How old are the accounts (yr opened) and what lenders/creditors, we’ll try and advise how likely they are to be enforceable.

[debtwarrior]

Celestine

Good morning! Thank you for your reply.

the CCJs were all entered into by default in 2016 (accounts are old) as I was living abroad for a few years and didn't get any mail and although I tried to set them aside (I represented myself in court - I lost the case because I was still on electoral roll and therefore could be served at last known address). At the time I was very worried about what might happen and couldn't go down the statute barred route unfortunately so I have been stuck with them. I have for the past 5 years not been able to make any payments due to my circumstances and they have since offered a discount
e.g. original amount: £7985
original amount + court fees/interest: £10871
discount: £9132
repayment amount: £1749

The six years end in q1 2022 - I am hoping for the other CCJs to have a similar sort of discount to be able to resolve this... but in the event they don't, what happens to the CCJs after the 6 year period has lapsed? Are they eternally enforceable through court?

[Celestine]

Technically a CCJ debt is forever enforceable BUT the creditor would have to apply to the court for permission to enforce. Am I right I’m assuming you’ve kept a low profile credit wise? No mortgage, HP?

[debtwarrior]

Yes that's correct - I do not have any mortgage or HP...

In your experience, what is the likely hood that they would apply to court for permission to enforce? And although I am not currently employed, is it possible that they go through employers as and when employment begins? And from where would they get that info (aside from LinkedIn of course)?

Celestine